2.866
RevenueNT$B
5.490
5.800
6.073
6.308
6.621
6.830
7.145
7.454
7.718
7.816
3.063
3.37%
3.91%
16
23.47
Revenue growth%
20.07
17.19
14.35
11.57
11.26
11.94
13.95
11.63
10.87
10.20
13.95
11.63
11.79
88
9.02
NIM%
21.27
18.78
18.12
17.00
15.64
16.11
14.33
12.81
12.39
10.51
29.43
12.81
15.88
63
24.20
Effic. R.%
1.32
1.17
2.21
0.40
0.40
2.95
0.40
0.40
0.40
1.13
4.76
0.40
0.77
30
6.01
Net margin%
3.83
4.16
5.53
4.83
3.69
5.91
7.85
8.55
7.26
7.80
16.92
7.80
5.72
55
37.54
P/E ratio (avg)x
16.88
17.83
21.13
25.17
28.71
29.17
34.45
33.75
39.96
46.35
21.98
34.45
28.94
71
20.81
P/TBVx
14.34
16.20
17.35
17.70
17.91
20.31
19.68
19.93
19.68
18.30
28.45
19.68
18.11
10
26.91
P/Bx
9.439
10.48
12.41
13.74
13.65
15.49
16.65
18.57
21.87
26.55
24.48
18.57
14.62
87
8.846
NIINT$B
3.445
3.637
3.758
3.898
4.172
4.272
4.488
4.734
4.764
4.964
9.560
3.54%
4.20%
—
3.13
NII grth%
11.04
13.40
15.46
14.07
13.74
12.17
10.36
9.89
10.09
7.95
5.11
10.09
11.60
64
11.62
ROTE%
23.02
22.65
23.28
21.08
21.13
19.32
21.92
19.39
18.06
16.93
28.12
19.32
21.11
70
11.93
Return on equity%
27.64
30.41
31.31
29.03
29.86
29.14
30.30
30.36
30.55
29.17
24.92
30.30
30.08
48
27.08
Return on assets%
0.40
2.77
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
29.86
0.40
0.40
19
4.90
EPSNT$
8.32
7.28
6.41
6.01
6.07
5.73
5.92
5.47
4.89
4.50
5.03
(5.81%)
(6.66%)
—
11.52
EPS growth%
13.10
14.24
13.56
12.04
9.24
8.58
6.98
6.45
6.06
4.08
21.60
6.45
8.91
31
8.69
Bookvalue per shNT$
4.35
3.87
3.44
3.44
3.11
3.16
3.45
3.43
3.47
3.27
5.42
1.00%
(3.51%)
—
3.25
TBV/shNT$
10.60
11.98
13.38
14.07
15.95
17.68
17.78
20.41
23.78
27.14
8.86
11.21%
9.74%
—
2.98
Dividend per shNT$
5.43
6.11
6.10
6.39
7.72
8.10
8.15
9.75
9.58
10.30
10.67
5.93%
8.56%
—
27.51
Div yield (avg)%
9.49
11.79
14.65
13.76
14.60
11.81
10.46
12.17
12.44
14.72
27.57
12.17
12.30
56
5.04
Payout ratio%
22.33
22.96
24.39
25.68
27.81
28.53
30.71
30.04
28.36
25.59
29.70
28.53
26.75
46
1.126
Shares (diluted)B
1.274
1.288
1.283
1.274
1.428
1.370
1.500
1.406
1.574
1.590
1.131
2.18%
2.89%
34
6.05
Buyback yield%
23.53
25.87
27.68
28.96
30.45
30.49
28.73
31.69
34.14
33.29
8.43
31.69
29.71
57
121.65
Eq/Assets%
176.34
175.02
200.46
236.63
273.91
275.77
272.70
261.41
302.23
306.20
136.44
275.77
267.05
60
7.680
AssetsNT$B
12.31
12.97
14.12
14.85
16.64
17.73
18.36
20.59
21.35
24.16
8.994
7.74%
7.43%
85
0.717
LT debtNT$B
5.364
5.827
5.283
4.777
4.449
4.589
4.917
4.543
4.210
4.529
2.248
0.36%
(2.04%)
39
Non-interest expense
3.85%
0.99×
Net interest income
63.52%
Non-interest income
36.48%
Spread over hurdle
40.56%